Easy application process
Many life insurance applications can be rather lengthy, and it can take a while to get approved. But, it’s easy to apply for a DreamSecure Simplified Term Life Insurance policy. You can apply from your home or in your agent’s office, and there are only about a dozen questions to answer. If approved, your policy will be issued within 10 business days for most applicants. Check out the life insurance buying process so you can see how simple it can be to financially protect the ones who matter most.
No medical tests
Some life insurance policies require a physical exam, but DreamSecure Simplified Term Life Insurance requires only a few health questions to help determine eligibility.
Multiple term life coverage options
DreamSecure Simplified Term Life Insurance is available in 10-, 15-, 20- and 30-year terms with coverage ranging from $50,000 to $150,000. Your premium is guaranteed to stay the same for the length of the term you choose.*
Customize Your Policy
American Family Life Insurance Company offers an additional coverage option that you can add to build a life insurance policy that suits your needs. The Premium Waiver for Disability Benefit Rider is available for an additional cost and waives premiums if the insured becomes totally disabled.**
In addition, each policy automatically comes with an Accelerated Death Benefit option (to be added at time of need). This benefit allows the policyowner to collect a part of the death benefit under certain conditions if the primary insured is diagnosed with a terminal illness.***
Why Get DreamSecure Simplified Term Life Insurance Now?
Your life insurance premium is based, in part, on your age. So the sooner you act, the sooner you may be able to take advantage of a lower premium. And, because your health is also a large factor in determining your qualification for life insurance, you’ll want to purchase life insurance while you’re in good health.
Although your life may be busy, now is a great time to take steps to build a financially secure future. Your American Family Insurance agent is ready to help you explore DreamSecure Simplified Term Life Insurance or other options, so you can confidently pursue your dreams knowing you’ve taken steps to financially protect your loved ones’ future.
DreamSecure EasyProtect Term Life Insurance
Created for busy American Family Insurance customers, Dream Secure EasyProtect Term Life Insurance is designed with your needs in mind. With a simple application, and a quick decision process, you won’t waste time waiting to hear if you qualify or not.
Why choose DreamSecure EasyProtect Term Life Insurance?
We make it easy to apply for DreamSecure EasyProtect Term Life Insurance. Here’s how:
- Simple application process. No phone interviews or lengthy questionnaires.
- Quick decision. Most customers can get a decision within an hour!
- No medical exam required. Just a few health questions in the application to help determine eligibility.
Before you apply, you must have a qualifying event.
What Are the Qualifying Events?
A qualifying event is a window of opportunity for you to apply for DreamSecure EasyProtect Term Life Insurance****:
- New policy purchase. If you’ve purchased an eligible new policy from American Family Insurance (excluding commercial and life policies) you may be eligible to apply. This opportunity is only available for 30 days after your eligible policy purchase.
- Your birthday. If you already have an eligible American Family Insurance policy (excluding commercial and life policies), you may apply for a DreamSecure EasyProtect Term Life Insurance policy within the 30 days leading up to your next birthday.
Protection to Fit Your Needs
DreamSecure EasyProtect Term Life Insurance gives you the option of 10-, 15-, or 20-year terms and coverage amounts from $150,000 to $750,000, depending on your age. Plus, no matter the length of term, your premium stays the same.
This is a brief description of coverage and is subject to policy and/or rider terms and conditions which may vary by state. Fixed and guaranteed premiums are statements about the policy as determined at issue, and any changes made to a policy may affect the premium and are subject to our underwriting rules.
*After the initial term, DreamSecure Simplified Term Life Insurance may be renewed annually with increased premiums up to the policy anniversary on or after the primary insured’s 95th birthday.
**Subject to rider terms and conditions.
*** Exercising the Accelerated Death Benefit option may have tax consequences and could impact qualification for government benefits.
**** In order to apply for a DreamSecure EasyProtect Term Life Insurance policy, a customer must have purchased an eligible underlying policy underwritten by American Family Mutual Insurance Company, S.I., American Family Insurance Company, American Standard Insurance Company of Wisconsin, or American Standard Insurance Company of Ohio within the last 30 days. Existing customers with an eligible policy must apply within 30 days prior to their birthday. Contact an agent for information about eligible policies.
Policy Forms: ICC18-36 (10), ICC18-36 (15), ICC18-36 (20), ICC18-36 (30), L-36 (10)(ND), L-36 (15)(ND), L-36 (20)(ND), L-36 (30)(ND), L-36 (10)(SD), L-36 (15)(SD), L-36 (20)(SD), L-36 (30)(SD), ICC22 L152 MS 06 22, L152 ND 06 22, L152 SD 06 22
Rider Forms: ICC18-WP (TERM), L-WP (TERM), L-WP (SD)(TERM), ICC17-ACDB TERM, L-ACDB TER